Compare · 4 funds side by side · dividends reinvested

HAPI, IWF, VOO and SPY

HAPIHarbor×IWFiShares×VOOVanguard×SPYSPDR×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,156VOO · best of the four

02 / 04

HAPI, IWF, VOO and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.10%+8.4%+9.8%+22.1%+11.4%−8.9%13.5%$1.00T1.5

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.80%+8.2%+10.5%+22.1%[…]−8.1%12.8%$503M2.1

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.3%+9.7%+22.0%+11.3%−8.9%13.6%$805B2.4

iShares Russell 1000 Growth ETFUS Stock Styles · Growth0.18%0.39%−6.5%−7.6%+19.5%+8.9%−14.6%19.3%$121B3.8

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: HAPI 2022 · IWF 2000 · VOO 2010 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503M[…]

HAPI

IWF

iShares Russell 1000 Growth ETF · $121B$15,330

$10,000 five years ago, dividends reinvested · they hold 43.8% in common

HAPIMeasureIWF

+8.2%Year to dateJan 1 → Nov 5−6.5%

+10.5%1 yearTotal return−7.6%

+22.1%3 years · per year$10,000 became $18,219 · $17,073+19.5%

[…]5 years · per year$10,000 became […] · $15,330+8.9%

0.35%Expense ratio$35 · $18 a year on $10k · lower is better0.18%

0.80%Trailing 12-mo yield$80 · $39 a year on $10k0.39%

−8.1%Worst dropSmaller is better−14.6%

12.8%VolatilityLower is calmer19.3%

HAPIIWF Winner of the row, in its colourEach row: the bigger of the two fills its side

6–1HAPI wins

End-of-day Nov 5, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

HAPI vs IWF: Top 5 Holdings

Today

HAPI

27.4%in top 5

IWF

in top 539.6%

HAPIStockIWF

4.9%NVDA14.6%

6.1%AAPL8.5%

6.2%MSFT6.4%

5.9%AMZNnot top 5

not top 5GOOGL5.3%

not top 5AVGO4.7%

4.4%METAnot top 5

Held in common43.8%

End-of-day Nov 5, 2026 · share of each fund

HAPI vs IWF Returns, Every Period

HarborHAPI

+10.5%

past year

IWFiShares

−7.6%

past year

HAPIIWFFaded: behind in that period

3–0HAPI wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

Stocks vs Core: HAPI vs VOO

YTD

HarborHAPI

+8.2%

VOOVanguard

+8.4%

+8.2%Year to date+8.4%

−8.1%Worst drop · 1Y−8.9%

12.8%Volatility · 1Y13.5%

0.8%Yield1.1%

$503MAssets$1.00T

2–2level

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HAPI, IWF, VOO, SPY

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

SPY0.09%$9

IWF0.18%$18

HAPI0.35%$35

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: HAPI, IWF, VOO, SPY

1.10%highest, VOO

FundTrailing yieldYield$10k

VOO1.10%$110

SPY1.03%$103

HAPI0.80%$80

IWF0.39%$39

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$107most kept, VOO

VOO$110 − $3 = $107

SPY$103 − $9 = $94

HAPI$80 − $35 = $45

IWF$39 − $18 = $21

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: HAPI, IWF, VOO, SPY

Today

93.5%most shared, VOO and SPY

HAPIIWFVOOSPY

HAPI—43.8%49.9%50.6%

IWF43.8%—59.2%56.4%

VOO49.9%59.2%—93.5%

SPY50.6%56.4%93.5%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+10.5%HAPI, at 12.8% volatility

HAPIWorst drop−8.1%12.8% vol

VOOWorst drop−8.9%13.5% vol

SPYWorst drop−8.9%13.6% vol

IWFWorst drop−14.6%19.3% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

VOOSPY

+8.4%Year to date+8.3%

1.1%Yield1.0%

+9.8%Past year+9.7%

0.03%Fee0.09%

4–0VOO wins

End-of-day Nov 5, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026

VUG vs SCHG

YTD

VanguardVUG

+0.5%

SCHGSchwab

+0.9%

+0.5%Year to date+0.9%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$62.5B

1–1level

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 5, 2026